DSS is a consumer organization designed to help individuals resolve their debt obligations in a constructive and efficient manner. Whether you have high credit card debt or other types of loans, DSS will work with you to and your collectors to come to a solution. DSS offers advice for different situations and may be able to initiate debt hardship programs with your creditors, debt reduction and settlement for lower balances, or if necessary, help you file for Chapter 7 and Chapter 13 bankruptcy.